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It all goes too quickly, doesn't it? One moment you're running around buying Christmas presents. Next minute you're lying on a beach and then you're watching a few fireworks. Before you know it you're back at work and writing the wrong year on all your cheques. The great swathe of forecasts, predictions and tips for the year ahead don't make it any easier, at least not for us. Instead, we prefer to comment on, and take advantage of, opportunities as they arise, not discuss when they might arise.

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